Hard reset clarification

[Migwans]

Upon a hard reset I'am stll confused as to what will exactly happen to my TP with regards to loss of data. OK, I Understand that data on my Storage Card will be safe. Now what is confusing me is I have been told that my TP will reset to the point when I first got it out of the box, with all Apps installed (Youtube, File Explorer, Opera Browser, GPS Nav...etc), or are these Apps installed by my Carrier, and will be lost? If the latter is the case, is it possible to move the apps to the Storage Card and reinstall them to the device after the hard reset is preformed.

Carrier: Bell Mobility

Thank You Anyone!!!